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Personal Injury Firm

Stamford Uninsured Motorist Accident Lawyer

What Can I Do If I'm Hit by a Driver with No Insurance?

Too often in today's society there are irresponsible automobile owners
and operators who fail to carry the Connecticut minimum mandated $ 20,000/$40,000
of bodily injury liability insurance coverage. Automobile liability insurance
coverage issues can be tricky and require an experienced
car accident attorney with insurance law knowledge to properly assess coverage issues.
Your failure to get qualified and savvy automobile insurance law representation
may result in you not collecting the fair, just and full monetary damages
that you deserve under the law.

Situations in with uninsured motorist coverage can protect you:

You may have been rear ended, broad sided, side swiped or forced off the
highway by an unidentifiable "hit and run driver" in an automobile accident.

Your automobile may have been forcefully struck by a motor vehicle owner/
operator who didn't pay his automobile insurance premium.

The defendant that hit you may have been so careless that he failed to
report the "car crash" to his carrier and now the defendant's
automobile carrier has issued a reservation of rights letter claiming
to dishonor the defendant's coverage because he failed to timely cooperate.

The defendant may have misrepresented facts to his insurance agent which
may result in void of or voidable automobile liability insurance coverage.

The liability insurance carrier may now be insolvent. The defendant "tortfeasor"
may not cooperate with his insurer voiding his insurance coverage.

The fact scenarios are endless. In fact, you may now have an uninsured
motorist claim and have the opportunity to recover monetary damages through
your own insurer. The Rotatori Law Firm can help you in complex matters
of automobile insurance coverage and uninsured motorist law. Peter Rotatori,
III will investigate the facts, secure wrongdoer automobile policy cancellation
lapse evidence and sort out coverage issues on your behalf by reading
and analyzing the applicable relevant uninsured motorist policies.

Connecticut Requires Insurers to Offer Uninsured Coverage

To protect you as a member of the public from operators and owners of uninsured
motor vehicles, Connecticut, under
Conn. Gen. Stat. 38-336(a)(1), requires each automobile liability policy to also provide uninsured motorist
coverage with limits not less than the minimum liability coverage limits
of $20,000/$40,000. Unless there is written proof of a proper "step
down" request for a lesser uninsured motorist coverage amount with
a proper informed consent form heading of twelve point type, an automobile
liability policy must have uninsured motorist coverage that equals the
bodily injury liability coverage noted on the declaration page of the policy.

When a defendant wrongdoer fails to carry compulsory motor vehicle insurance,
the injured plaintiff has an uninsured motorist insurance contract claim.
That claim is primarily under the coverage of the occupied "host"
vehicle auto policy and secondarily under the named insured's policy.
Any other policies such as an umbrella policy clearly providing uninsured
motorist coverage would be "excess" insurance coverage.

What Is the Definition of an Uninsured Motor Vehicle?

An uninsured motor vehicle can be defined as one of theh following:

A land motor vehicle that has no bodily injury liability policy at the
time of an accident.

A "hit and run" vehicle where the operator or owner cannot be
identified and which hits, or causes an accident that results in bodily injury.

A motor vehicle which has a bodily injury liability policy at the time
of the accident but the insuring company either denies coverage or has
become insolvent

What If My Auto Insurance Company Denies My Uninsured Motorist Claim?

Under
Conn. Gen. Stat. 38a-336(g) (1), no insurance company may limit any uninsured motorist suit or demand
for arbitration to less than three years from the date of the accident.

Where, however, the automobile liability insurance company of the"
wrongdoer" tortfeasor becomes insolvent or denies coverage, no insurance
company doing business in Connecticut may limit the time to bring suit
against it or make a demand for arbitration under the uninsured motorist
provision of an automobile policy to a period of less than one year from
the date of receipt by the insured of written notice of insolvency or
denial of coverage from the automobile liability insurance company
Conn. Gen. Stat.38-336(g)(2).

Learn More About Filing an Uninsured Accident Claim

Feel free to contact
Peter Rotatori, III of The Rotatori Law Firm at
(203) 626-1446if you have been in an automobile accident with a driver, owner, or operator
who failed to have liability automobile insurance coverage in effect at
the time of the motor vehicle accident. Peter Rotatori, III can both advise
you and help you recover proper monetary damages under Connecticut uninsured
motorist law either by way of settlement or by way of law suit. The Rotatori
Law Firm's office is located in Stamford and Southbury which is in
New Haven County in between Litchfield and Fairfield County to better serve you.

If you are in Southbury, Stamford, or any of the surrounding areas, contact
our firm today!

The information on this website is for general information purposes only.
Nothing on this site should be taken as legal advice for any individual
case or situation. This information is not intended to create, and receipt
or viewing does not constitute, an attorney-client relationship.